Home Loans

¹Offer for 0.25% rate discount is available on purchase and refinance transactions. Application must be taken between February 5th, 2026 through July 31st, 2026. Mortgage amount must be between $40,000 and $832,750 to be eligible. Mortgage rates current as of 2/17/2026 and assumes a 30-year fixed-rate purchase of a detached, owner-occupied property with a loan to value ratio of 75% and a credit score of 780. A loan amount of $225,000 at an interest rate of 5.875% and an APR of 5.998% has a payment of $1,330.96 with 0.125 points due at closing. Payment does not include property taxes/insurances; actual payment will be higher if these are added to the payment. Offer applies to first mortgages financed with Mortgage Center and excludes FHA and VA government loans, as well as loans for investment properties.
 
Applicants must be or become a primary Lake Trust Credit Union member and establish recurring direct deposits of paycheck, pension, or government benefits (such as Social Security) via ACH prior to mortgage closing. Person-to-Person payments (such as Zelle®) are not considered a direct deposit for purposes of this offer. Direct deposit must be at least $400 per deposit. Rate for 30-year fixed rate traditional (Fannie or Freddie) mortgage will not be eligible for promotional rate reduction if rate prior to promotion is below 5.50%. Offer may not be combined with any other promotion or discount. The offer has no cash value. This offer is non-transferrable. Terms are subject to credit and mortgage approval. Offer is subject to end at any time. Mortgage Center is an Equal Housing Lender, NMLS# 282701. Lake Trust Credit Union is Federally Insured by NCUA.

²APR=Annual Percentage Rate. Rates based on credit history, term, security, and amount borrowed. Rates effective [rate:loan_effective_date] and subject to change.

³The HELOC annual percentage rate (APR) can change quarterly based on the value of an index. The maximum APR that can apply during the plan is 18% and the minimum APR that can apply during the plan is 4%.

^⁴The TruStage Auto & Home Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. DPGAP-1112-21A0.

^⁵Members Home and Auto is an independent insurance agency and resident agency of the State of Michigan. Policies offered by Members Home and Auto are underwritten by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. DPGAP-112-21A0.

   Mortgage Center is an Equal Housing Lender, NMLS# 282701.